WO2010039337A3 - Peer-to-peer financial transaction devices and methods - Google Patents

Peer-to-peer financial transaction devices and methods Download PDF

Info

Publication number
WO2010039337A3
WO2010039337A3 PCT/US2009/053441 US2009053441W WO2010039337A3 WO 2010039337 A3 WO2010039337 A3 WO 2010039337A3 US 2009053441 W US2009053441 W US 2009053441W WO 2010039337 A3 WO2010039337 A3 WO 2010039337A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment
peer
methods
financial transaction
crediting account
Prior art date
Application number
PCT/US2009/053441
Other languages
French (fr)
Other versions
WO2010039337A2 (en
Inventor
Gloria Lin
Amir Mahmood Mikhak
Taido Lantz Nakajima
Sean Anthony Mayo
Michael Rosenblatt
Original Assignee
Apple Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US12/286,488 external-priority patent/US10380573B2/en
Priority claimed from US12/286,494 external-priority patent/US20100078472A1/en
Priority claimed from US12/286,410 external-priority patent/US20100078471A1/en
Application filed by Apple Inc. filed Critical Apple Inc.
Priority to EP09818165A priority Critical patent/EP2332105A4/en
Priority to KR1020127005496A priority patent/KR101217323B1/en
Priority to KR1020137005442A priority patent/KR101428429B1/en
Priority to JP2011529046A priority patent/JP5568560B2/en
Priority to CN200980144797XA priority patent/CN102282578A/en
Publication of WO2010039337A2 publication Critical patent/WO2010039337A2/en
Publication of WO2010039337A3 publication Critical patent/WO2010039337A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Signal Processing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephone Function (AREA)

Abstract

Various techniques are provided for carrying out peer-to-peer financial transactions using one or more electronic devices 10, 92. In one embodiment, a request for payment is transmitted from a first device 10 to a second device 92 using a near field communication (NFC) interface 46. In response to the request, the second device 92 may transmit payment information to the first device. The first device may select a crediting account and, using a suitable communication protocol, may communicate the received payment information and selected crediting account to one or more external financial servers 100 configured to process and determine whether the payment may be authorized. If the payment is authorized, a payment may be credited to the selected crediting account. In a further embodiment, a device 10 may include a camera 48 configured to obtain an image of a payment instrument. The device 10 may further include an application to extract payment information from the acquired image.
PCT/US2009/053441 2008-09-30 2009-08-11 Peer-to-peer financial transaction devices and methods WO2010039337A2 (en)

Priority Applications (5)

Application Number Priority Date Filing Date Title
EP09818165A EP2332105A4 (en) 2008-09-30 2009-08-11 Peer-to-peer financial transaction devices and methods
KR1020127005496A KR101217323B1 (en) 2008-09-30 2009-08-11 peer-to-peer financial transaction devices and methods
KR1020137005442A KR101428429B1 (en) 2008-09-30 2009-08-11 Peer-to-peer financial transaction devices and methods
JP2011529046A JP5568560B2 (en) 2008-09-30 2009-08-11 Handheld electronic device and electronic device
CN200980144797XA CN102282578A (en) 2008-09-30 2009-08-11 Peer-to-peer financial transaction devices and methods

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US12/286,488 US10380573B2 (en) 2008-09-30 2008-09-30 Peer-to-peer financial transaction devices and methods
US12/286,488 2008-09-30
US12/286,494 US20100078472A1 (en) 2008-09-30 2008-09-30 Group peer-to-peer financial transactions
US12/286,494 2008-09-30
US12/286,410 2008-09-30
US12/286,410 US20100078471A1 (en) 2008-09-30 2008-09-30 System and method for processing peer-to-peer financial transactions

Publications (2)

Publication Number Publication Date
WO2010039337A2 WO2010039337A2 (en) 2010-04-08
WO2010039337A3 true WO2010039337A3 (en) 2010-07-22

Family

ID=42074083

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2009/053441 WO2010039337A2 (en) 2008-09-30 2009-08-11 Peer-to-peer financial transaction devices and methods

Country Status (5)

Country Link
EP (1) EP2332105A4 (en)
JP (1) JP5568560B2 (en)
KR (3) KR20110056561A (en)
CN (1) CN102282578A (en)
WO (1) WO2010039337A2 (en)

Families Citing this family (113)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP2203865A2 (en) 2007-09-24 2010-07-07 Apple Inc. Embedded authentication systems in an electronic device
US8600120B2 (en) 2008-01-03 2013-12-03 Apple Inc. Personal computing device control using face detection and recognition
US8907768B2 (en) 2009-11-25 2014-12-09 Visa International Service Association Access using a mobile device with an accelerometer
WO2011072310A1 (en) 2009-12-07 2011-06-16 Angus Bernhardt Pohl Bridging device and method for integrating a bridging device into a mobile phone
US9525548B2 (en) 2010-10-21 2016-12-20 Microsoft Technology Licensing, Llc Provisioning techniques
US8805434B2 (en) 2010-11-23 2014-08-12 Microsoft Corporation Access techniques using a mobile communication device
US9509686B2 (en) 2010-12-03 2016-11-29 Microsoft Technology Licensing, Llc Secure element authentication
WO2012092293A2 (en) 2010-12-30 2012-07-05 Visa International Service Association Mixed mode transaction protocol
US20120221464A1 (en) * 2011-02-28 2012-08-30 Research In Motion Limited Communications system for performing secure transactions based upon mobile wireless communications device proximity and related methods
US8392259B2 (en) 2011-03-17 2013-03-05 Research In Motion Limited Methods and apparatus to obtain transaction confirmation
EP2503495A1 (en) * 2011-03-17 2012-09-26 Research In Motion Limited Methods and apparatus to obtain transaction confirmation
US8769624B2 (en) 2011-09-29 2014-07-01 Apple Inc. Access control utilizing indirect authentication
US9002322B2 (en) 2011-09-29 2015-04-07 Apple Inc. Authentication with secondary approver
JP5918995B2 (en) * 2011-12-27 2016-05-18 株式会社三井住友銀行 Payment processing method and bank server used for the payment processing
US10803431B2 (en) 2012-03-12 2020-10-13 Top Image Systems Ltd. Portable device for financial document transactions
US8423459B1 (en) * 2012-03-30 2013-04-16 Google Inc. Prioritizing potential transaction counter-parties with social network content
US10235014B2 (en) 2012-05-09 2019-03-19 Apple Inc. Music user interface
KR101327292B1 (en) * 2012-06-18 2013-11-11 주식회사 인터페이 Goods/service price payment system based on ars authentication using variious payment means and price payment method of the same
EP2870789A4 (en) 2012-07-09 2016-01-20 Intel Corp Systems and methods for enabling secure transactions with mobile devices
KR101421568B1 (en) 2012-07-27 2014-07-22 주식회사 케이티 Smart card, device and method for smart card service
WO2014030875A1 (en) 2012-08-24 2014-02-27 Samsung Electronics Co., Ltd. Apparatus and method for providing interaction information by using image on device display
WO2014030876A1 (en) * 2012-08-24 2014-02-27 Samsung Electronics Co., Ltd. Method and apparatus for determining item based on interaction environment
US20140201086A1 (en) * 2012-09-02 2014-07-17 Mpayme Ltd. Method and system for reversed near field contact electronic transaction
KR20140060849A (en) 2012-11-12 2014-05-21 주식회사 케이티 System and method for card payment
JP5852996B2 (en) * 2012-12-11 2016-02-09 東芝テック株式会社 Electronic receipt system, information processing apparatus and program
KR102087984B1 (en) 2012-12-21 2020-03-11 삼성전자주식회사 Transaction system and method by using surrounding device
KR101330962B1 (en) * 2012-12-27 2013-11-18 신한카드 주식회사 Payment device control method for selecting card settlement
CN103049850A (en) * 2013-01-05 2013-04-17 深圳市中兴移动通信有限公司 Mobile payment terminal, system and payment method thereof based on NFC (Near Field Communication)
KR20140097832A (en) 2013-01-30 2014-08-07 주식회사 케이티 Device of generating and terminating a virtual card transferred to a physical card
KR20140103210A (en) 2013-02-14 2014-08-26 주식회사 케이티 Apparatus and method for setting a primary payment means
JP2014167754A (en) * 2013-02-28 2014-09-11 Sharp Corp Portable terminal, payment reception terminal, and control program
GB2514780A (en) * 2013-06-03 2014-12-10 Mastercard International Inc Methods and apparatus for performing local transactions
EP2819076B1 (en) * 2013-06-24 2019-12-18 BlackBerry Limited Controlling transactions using near field communications device
CN103426084A (en) * 2013-07-24 2013-12-04 牟大同 Electronic payment system and remote-based or near-field-based payment method
US10001817B2 (en) 2013-09-03 2018-06-19 Apple Inc. User interface for manipulating user interface objects with magnetic properties
US9898642B2 (en) 2013-09-09 2018-02-20 Apple Inc. Device, method, and graphical user interface for manipulating user interfaces based on fingerprint sensor inputs
US9178889B2 (en) * 2013-09-27 2015-11-03 Paypal, Inc. Systems and methods for pairing a credential to a device identifier
KR102405189B1 (en) 2013-10-30 2022-06-07 애플 인크. Displaying relevant user interface objects
EP2879410B1 (en) * 2013-11-26 2016-07-13 GT Gettaxi Limited System and method for ordering a transportation vehicle using a near-field communication device
US11205163B2 (en) 2013-12-18 2021-12-21 PayRange Inc. Systems and methods for determining electric pulses to provide to an unattended machine based on remotely-configured options
US11074580B2 (en) 2013-12-18 2021-07-27 PayRange Inc. Device and method for providing external access to multi-drop bus peripheral devices
US11475454B2 (en) 2013-12-18 2022-10-18 PayRange Inc. Intermediary communications over non-persistent network connections
US8856045B1 (en) 2013-12-18 2014-10-07 PayRange Inc. Mobile-device-to-machine payment systems
US11481780B2 (en) 2013-12-18 2022-10-25 PayRange Inc. Method and system for asynchronous mobile payments for multiple in-person transactions conducted in parallel
US11481781B2 (en) 2013-12-18 2022-10-25 PayRange Inc. Processing interrupted transaction over non-persistent network connections
US10019724B2 (en) 2015-01-30 2018-07-10 PayRange Inc. Method and system for providing offers for automated retail machines via mobile devices
US9659296B2 (en) 2013-12-18 2017-05-23 PayRange Inc. Method and system for presenting representations of payment accepting unit events
US11068875B2 (en) * 2013-12-30 2021-07-20 Apple, Inc. Person-to-person payments using electronic devices
CN106415631A (en) * 2014-03-11 2017-02-15 崔克培有限公司 Device and system for electronic fund transfer
CN115545698A (en) * 2014-05-29 2022-12-30 苹果公司 User interface for payments
US9483763B2 (en) 2014-05-29 2016-11-01 Apple Inc. User interface for payments
US9967401B2 (en) 2014-05-30 2018-05-08 Apple Inc. User interface for phone call routing among devices
EP3164837A1 (en) * 2014-07-01 2017-05-10 Francesco Ricci Electronic payment system and relative method
KR101598371B1 (en) * 2014-07-14 2016-02-29 브릴리언츠 주식회사 Smart multi card
CN106605201B (en) 2014-08-06 2021-11-23 苹果公司 Reduced size user interface for battery management
US10452253B2 (en) 2014-08-15 2019-10-22 Apple Inc. Weather user interface
US10339293B2 (en) 2014-08-15 2019-07-02 Apple Inc. Authenticated device used to unlock another device
WO2016036603A1 (en) 2014-09-02 2016-03-10 Apple Inc. Reduced size configuration interface
EP4027227A1 (en) 2014-09-02 2022-07-13 Apple Inc. Reduced-size interfaces for managing alerts
US10066959B2 (en) 2014-09-02 2018-09-04 Apple Inc. User interactions for a mapping application
EP3189406B1 (en) 2014-09-02 2022-09-07 Apple Inc. Phone user interface
WO2016036481A1 (en) 2014-09-02 2016-03-10 Apple Inc. Reduced-size user interfaces for dynamically updated application overviews
US9449318B2 (en) * 2014-10-01 2016-09-20 Paypal, Inc. Systems and methods for providing payment hotspots
US20160132860A1 (en) * 2014-11-12 2016-05-12 Line Bizplus Pte, Ltd. Method and system of processing payment using instant message service
US20160224973A1 (en) * 2015-02-01 2016-08-04 Apple Inc. User interface for payments
KR101663213B1 (en) * 2015-02-12 2016-10-06 김덕상 Credible transfer request terminal, transfer server and computer program for transferring
US9574896B2 (en) 2015-02-13 2017-02-21 Apple Inc. Navigation user interface
US10193700B2 (en) 2015-02-27 2019-01-29 Samsung Electronics Co., Ltd. Trust-zone-based end-to-end security
WO2016137277A1 (en) 2015-02-27 2016-09-01 Samsung Electronics Co., Ltd. Electronic device providing electronic payment function and operating method thereof
US10466883B2 (en) 2015-03-02 2019-11-05 Apple Inc. Screenreader user interface
US10055121B2 (en) 2015-03-07 2018-08-21 Apple Inc. Activity based thresholds and feedbacks
US10216351B2 (en) 2015-03-08 2019-02-26 Apple Inc. Device configuration user interface
US10467602B2 (en) * 2015-03-11 2019-11-05 Facebook, Inc. Facilitating sending, receiving, and updating of payments using message and payment queues
CN107533699B (en) * 2015-03-31 2022-07-01 Visa国际服务协会 Peer-to-peer mobile device payment network
US20160358133A1 (en) 2015-06-05 2016-12-08 Apple Inc. User interface for loyalty accounts and private label accounts for a wearable device
US9916075B2 (en) 2015-06-05 2018-03-13 Apple Inc. Formatting content for a reduced-size user interface
US9940637B2 (en) 2015-06-05 2018-04-10 Apple Inc. User interface for loyalty accounts and private label accounts
EP3308335A4 (en) * 2015-06-12 2018-12-19 Offerup, Inc. Systems, methods, and devices for computer-based local transactions
CN106372878A (en) * 2015-07-20 2017-02-01 阿里巴巴集团控股有限公司 Payment method, payment client and payment server
CN105160530A (en) * 2015-07-31 2015-12-16 努比亚技术有限公司 Mobile terminal and information processing method
KR101838073B1 (en) * 2015-08-06 2018-03-14 엘지전자 주식회사 Mobile terminal and method for controlling the same
US20170046668A1 (en) * 2015-08-16 2017-02-16 Google Inc. Comparing An Extracted User Name with Stored User Data
WO2017066287A1 (en) * 2015-10-12 2017-04-20 First Data Corporation Systems and methods for transactional document processing
CN105512880A (en) * 2015-12-08 2016-04-20 努比亚技术有限公司 Wireless payment device and method
US20170213206A1 (en) * 2016-01-25 2017-07-27 Apple Inc. Conducting transactions using electronic devices with geographically restricted non-native credentials
EP4250259A3 (en) * 2016-02-17 2023-12-27 PayRange Inc. Systems and methods for determining electric pulses to provide to an unattended machine based on remotely-configured options
DK179186B1 (en) 2016-05-19 2018-01-15 Apple Inc REMOTE AUTHORIZATION TO CONTINUE WITH AN ACTION
US10621581B2 (en) 2016-06-11 2020-04-14 Apple Inc. User interface for transactions
DK201670622A1 (en) 2016-06-12 2018-02-12 Apple Inc User interfaces for transactions
US20180068313A1 (en) 2016-09-06 2018-03-08 Apple Inc. User interfaces for stored-value accounts
US10860199B2 (en) 2016-09-23 2020-12-08 Apple Inc. Dynamically adjusting touch hysteresis based on contextual data
US10496808B2 (en) 2016-10-25 2019-12-03 Apple Inc. User interface for managing access to credentials for use in an operation
WO2018163312A1 (en) * 2017-03-08 2018-09-13 株式会社ミックナイン Electronic wallet and computer program
WO2018189165A1 (en) * 2017-04-10 2018-10-18 Sonect Ag Method for effecting financial transactions
DE102018110736A1 (en) * 2017-06-02 2018-12-06 Apple Inc. Split transaction execution
KR102185854B1 (en) 2017-09-09 2020-12-02 애플 인크. Implementation of biometric authentication
JP6736686B1 (en) 2017-09-09 2020-08-05 アップル インコーポレイテッドＡｐｐｌｅ Ｉｎｃ． Implementation of biometrics
JP6560319B2 (en) * 2017-11-08 2019-08-14 株式会社 みずほ銀行 Wallet management system, wallet management method, and wallet management program
EP4274286A3 (en) 2018-01-22 2023-12-27 Apple Inc. Secure login with authentication based on a visual representation of data
KR102408583B1 (en) 2018-02-22 2022-06-15 삼성전자주식회사 Method and apparatus for operating multimodal of near field communications circuitry
US11170085B2 (en) 2018-06-03 2021-11-09 Apple Inc. Implementation of biometric authentication
US10860096B2 (en) 2018-09-28 2020-12-08 Apple Inc. Device control using gaze information
US11100349B2 (en) 2018-09-28 2021-08-24 Apple Inc. Audio assisted enrollment
US11328352B2 (en) 2019-03-24 2022-05-10 Apple Inc. User interfaces for managing an account
US11477609B2 (en) 2019-06-01 2022-10-18 Apple Inc. User interfaces for location-related communications
US11481094B2 (en) 2019-06-01 2022-10-25 Apple Inc. User interfaces for location-related communications
EP4300277A3 (en) 2019-09-29 2024-03-13 Apple Inc. Account management user interfaces
US11169830B2 (en) 2019-09-29 2021-11-09 Apple Inc. Account management user interfaces
JP6838182B1 (en) * 2020-02-27 2021-03-03 ＰａｙＰａｙ株式会社 Payment program, payment device and payment method
GB2592917A (en) * 2020-03-09 2021-09-15 Oluwaseun Bamidele Michael Close proximity smartphone to smartphone credit transfer
DK180985B1 (en) 2020-04-10 2022-09-02 Apple Inc User interfaces for enabling an activity
US11816194B2 (en) 2020-06-21 2023-11-14 Apple Inc. User interfaces for managing secure operations
US20240095694A1 (en) * 2022-09-21 2024-03-21 Step Mobile, Inc. Dynamically guiding users to request valid payments

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20020052156A (en) * 2002-06-03 2002-07-02 안지영 Wireless credit card payment system and method using mobile communication terminals with short distance wireless communication function
KR100475654B1 (en) * 2002-03-15 2005-03-15 주식회사 하렉스인포텍 User interface method of finance settlement through mobile unit
KR20070013048A (en) * 2005-07-25 2007-01-30 주식회사 팬택앤큐리텔 Common payment system of electronic commerce and method thereof
US20070254712A1 (en) * 2006-04-28 2007-11-01 Sriram Chitti Mobile commerce method and device

Family Cites Families (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5677955A (en) * 1995-04-07 1997-10-14 Financial Services Technology Consortium Electronic funds transfer instruments
CN1363184A (en) * 1999-12-22 2002-08-07 皇家菲利浦电子有限公司 Remote delivery of multimedia content from consumer electronics devices
JP2004517525A (en) * 2000-12-22 2004-06-10 シーメンス アクチエンゲゼルシヤフト Flexible billing for services and resources in the network
KR20020063350A (en) * 2001-01-27 2002-08-03 에스케이 텔레콤주식회사 Mobile phone with financial information within UIM card, and method used therein
WO2003038698A1 (en) * 2001-10-31 2003-05-08 Mitsubishi Denki Kabushiki Kaisha Portable terminal and pos terminal
US8224700B2 (en) * 2002-08-19 2012-07-17 Andrew Silver System and method for managing restaurant customer data elements
BR0318450A (en) * 2003-08-08 2006-08-01 Paycool Int Ltd Methods to Facilitate Validation of Financial Transactions Through Wireless Communication Networks
JP2005267012A (en) * 2004-03-17 2005-09-29 Japan Research Institute Ltd Sales information processing method and credit card system
EP1856903B1 (en) * 2005-03-07 2018-01-24 Nokia Technologies Oy Method and mobile terminal device including smartcard module and near field communications means
KR20060129825A (en) * 2005-06-13 2006-12-18 주식회사 팬택 Method and system for sharing payment service by using mobile communication terminal
JP5139715B2 (en) * 2006-04-25 2013-02-06 Ｋｄｄｉ株式会社 Financial transaction service method and financial transaction service system using mobile phone
JP2008107874A (en) * 2006-10-23 2008-05-08 Nec Infrontia Corp Separate accounting system, mobile terminal, separate accounting method, separate accounting program, and program storage medium
US20080147561A1 (en) * 2006-12-18 2008-06-19 Pitney Bowes Incorporated Image based invoice payment with digital signature verification

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100475654B1 (en) * 2002-03-15 2005-03-15 주식회사 하렉스인포텍 User interface method of finance settlement through mobile unit
KR20020052156A (en) * 2002-06-03 2002-07-02 안지영 Wireless credit card payment system and method using mobile communication terminals with short distance wireless communication function
KR20070013048A (en) * 2005-07-25 2007-01-30 주식회사 팬택앤큐리텔 Common payment system of electronic commerce and method thereof
US20070254712A1 (en) * 2006-04-28 2007-11-01 Sriram Chitti Mobile commerce method and device

Also Published As

Publication number Publication date
WO2010039337A2 (en) 2010-04-08
KR101428429B1 (en) 2014-08-07
KR20130027587A (en) 2013-03-15
JP5568560B2 (en) 2014-08-06
KR20110056561A (en) 2011-05-30
KR101217323B1 (en) 2012-12-31
KR20120069673A (en) 2012-06-28
EP2332105A2 (en) 2011-06-15
EP2332105A4 (en) 2012-07-25
CN102282578A (en) 2011-12-14
JP2012504273A (en) 2012-02-16

Similar Documents

Publication Publication Date Title
WO2010039337A3 (en) Peer-to-peer financial transaction devices and methods
WO2010027845A3 (en) System and method of secure payment transactions
WO2005091977A3 (en) Equipment to facilitate money transfers into bank accounts
WO2008093140A3 (en) Methods and a system for providing transaction related information
WO2012138923A3 (en) Method and device for processing payment card information
WO2012082795A9 (en) Systems and methods for conducting contactless payments using a mobile and a magstripe payment card
WO2008115971A3 (en) Method, system, and apparatus for conducting a purchase transaction
WO2012082899A9 (en) Atm/kiosk cash acceptance
WO2008132856A1 (en) Electronic payment system, electronic payment server, negotialble value providing device, mobile communication terminal, and electronic payment method
WO2004107096A3 (en) Accepting travel related payments from consumer
WO2010027900A3 (en) Enabling consumer choice on contactless transactions when using a dual-branded payment instrument
WO2010039334A3 (en) Systems and methods for secure wireless transactions
WO2009095795A3 (en) Method, device, and system for completing on-line financial transactions
WO2007087273A3 (en) Contactless-chip-initiated transaction system
WO2010019668A3 (en) Systems, methods, and computer readable media for providing for secure offline data transfer between wireless smart devices
WO2005114899A3 (en) Securely processing payments for online transactions
WO2008033551A3 (en) Payment transactions via substantially instant communication system
WO2005072382A3 (en) System and method for secure telephone and computer transactions
WO2010111130A3 (en) Audio/acoustically coupled card reader
WO2010056484A3 (en) System and method of providing a mobile wallet at a mobile telephone
WO2009003030A3 (en) Secure mobile payment system
WO2009105341A3 (en) Systems and methods for providing a vending network
WO2008150876A3 (en) Secure channel for image transmission
WO2007149483A3 (en) Computer system authentication using security indicator
WO2008067332A3 (en) Authentication of e-commerce transactions using a wireless telecommunications device

Legal Events

Date Code Title Description
WWE Wipo information: entry into national phase

Ref document number: 200980144797.X

Country of ref document: CN

WWE Wipo information: entry into national phase

Ref document number: 2011529046

Country of ref document: JP

NENP Non-entry into the national phase

Ref country code: DE

REEP Request for entry into the european phase

Ref document number: 2009818165

Country of ref document: EP

WWE Wipo information: entry into national phase

Ref document number: 2009818165

Country of ref document: EP

ENP Entry into the national phase

Ref document number: 20117009993

Country of ref document: KR

Kind code of ref document: A